how to up credit score

To effectively up your credit score, you must demonstrate consistent and responsible credit behaviour.

• Ensure timely repayment of all your EMIs and credit card bills, as payment history is the most significant factor.
• Maintain a low Credit Utilisation Ratio, ideally keeping your used credit below 30% of your total available credit limit.
• Avoid applying for multiple new credit accounts in a short time, as numerous inquiries can negatively affect your score.
• Regularly obtain and review your credit report for any errors or discrepancies and report them immediately for correction.